For buying a new policy call 094444 48899. For customer service call 1860 425 0000.


Individual Personal Accident Policy (Accidental Death & Disablement only)

Personal Accident Insurance

Accident Insurance For Protection
against Accidents for just
Rs. 2 per day!

An Accident Insurance offers you the much needed financial security you want to give your family. Personal accident insurance does not stop with death benefits but also avail cover for other consequences like permanent total disability, permanent partial disability and temporary total disability. The amount not only helps you recover but manage your day to day life as well.


An accident can disrupt many plans you have for yourself and your loved one’s future. Our accident insurance plan offers you the financial stability that becomes essential in such cases. The sum insured offered by the accident insurance policy becomes a major support and can save you from the financial crisis.


Accidents can happen to anyone, anytime. It takes only seconds or minutes to happen, but may take away the savings of many years, as aftermaths of accidents can be severe. In such a scenario, don't stretch your savings. Get your life back on track, with the financial backing of Royal Sundaram Personal Accident Insurance.


Our Accident Insurance offers global cover of up to Rs. 75 Lakhs, protecting families from financial instability in case of disability or death of loved one due to an accident.


Who can be insured?

Any Indian resident who falls in the age group of 18 years to 65 years, can avail this Personal Accident Insurance Policy. You can also insure your dependent children between 5 years to 21 years.

Get a discount of 10% on total Premium on buying this policy online, for 3 or more family members.

Policy will cover :

1) Accidental Death

In the unfortunate event of death of the Insured person, the entire Sum Insured will be paid to the Insured person's nominee.We request you to ensure that you provide a nominee for every family member insured under Personal Accident Insurance.

2) Permanent Total Disablement

In the unfortunate event of permanent total disability of the Insured person, the entire Sum Insured will be paid to the Insured person.

3) Permanent Partial Disablement

In the unfortunate event of permanent partial disability of the Insured person, a certain percentage of  the Sum Insured will be paid to the Insured person. It is determined by the extent of loss. You can get more information about it in the Terms and Conditions page.

4) Temporary Total Disablement

Weekly benefit for accidents resulting in home confinement up-to 104 weeks (Weekly Income Benefit)

5) Accident Hospitalisation

Hospitalisation expenses due to Accident resulting in claim for Death/Disablement (Applicable only if proposer has opted for Sum Insured of Rs.20 lacs and above).

6) Education Grant

Special Free Benefit of Education Grant of Rs. 10000/-(@ Rs. 5000 per child) 

7) Transportation of Mortal Remains

In the unfortunate event of accidental death, we will pay the nominee a sum of up to Rs. 5000 towards transportation of the mortal remains to residence.

8) Tenure:  One Year 

To learn more about Key Benefits of Personal Accident Insurance, Click Here


Buy Individual Personal Accident Insurance Policy Online:

  • Click on Personal Accident Insurance link. You will be redirected to our secure webpage to buy the Policy.
  • Enter your personal details (name, age, etc) and click on Proceed to continue. Your account will be created and the username and password will be mailed to the e-mail ID provided in the form.
  • Please provide us with the personal details of persons you wish to insure, plan you wish to avail, etc. You would have to provide the details of nominee (person who would receive the Claim amount or Sum Insured in case of death claim). Click on Calculate Premium to continue.
  • Our online calculator will calculate the Premium based on your input and display the quote in the corresponding page.
  • If you wish to choose a different plan, you can do that. If you wish to continue, please click on Proceed.
  • You will be taken to the Contact details page. Please furnish your address, phone and mobile number in this page. Click on View Summary after entering the information.
  • You will be directed to the Summary page. Please check the details shown in the page. The same will be mentioned in your Policy. After verifying, please click on Proceed to Pay to buy the policy.
You will get your Policy instantly. You can print and enjoy the cover of Royal Sundaram Personal Accident Insurance.
See how much you can save by getting an instant Personal Accident Insurance quote. Or feel free to call one of our dedicated insurance advisors for help on 094444 48899.
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